Andrews FCU Kasasa Cash Checking Account 2025 Review

The Andrews Federal Credit Union Kasasa Cash Checking offers competitive dividends with no monthly fees. There's no minimum deposit to open the account, though you will need to qualify for credit union membership. 

Andrews FCU Kasasa Cash Checking is an interest-checking account that pays an exceptional APY on balances up to $25,000. There are no monthly fees or minimum deposit requirements for this account and you get up to $25 monthly in ATM fee refunds. 

You might consider opening this account if you:

• Want to make a move from traditional banking to a credit union
• Would like an interest-checking account that pays an outstanding rate
• Don't keep more than $25,000 in checking
• Are eligible for credit union membership

You can open this account online and link it to a free Kasasa Saver account to grow your money. In addition to checking accounts, Andrews FCU offers share certificate accounts, money market accounts, and Individual Retirement Accounts (IRAs) to help you reach your financial goals.

Find the Best Savings Account Rates - Compare Now

Unlock exclusive savings rates and gain access to top-tier banking benefits.

Compared to Other Checking Accounts

PenFed Credit Union Free Checking

PenFed Credit Union's Free Checking account has no monthly fees and no minimum balance requirements. Anyone can join PenFed and you can open a Free Checking account with as little as $25. You can bank at PenFed Credit Union branches and ATMs, or through online and mobile banking for added convenience. 

Read our full editorial review of the PenFed Credit Union Free Checking account

Connexus CU Xtraordinary Checking

The Connexus Credit Union Xtraordinary Checking account earns interest, though the APY isn't as high as what you could get with the Kasasa Cash Checking account. You'll need to complete qualifying activities to earn interest. There are no maintenance fees or minimum balance requirements and you can access funds at more than 67,000 surcharge-free ATMs. 

Read our full editorial review of the Connexus CU Xtraordinary Checking account

First Tech CU Rewards Checking

First Tech CU Rewards Checking offers a competitive APY on balances up to $15,000, when qualifying activities are completed each statement cycle. There are no monthly fees or minimum balance requirements. You'll have access to funds at more than 30,000 fee-free ATMs. 

Read our full editorial review of the First Tech CU Rewards Checking account

Alliant Credit Union High-Rate Checking

Alliant Credit Union offers a high-yield checking account with no monthly fees or minimum balance requirements. The APY is the lowest among the accounts profiled here but you'll pay no overdraft fees and you can withdraw cash at more than 80,000 ATMs fee-free. Alliant also refunds up to $20 per month in foreign ATM fees. 

Read our full editorial review of the Alliant Credit Union High-Rate Checking account

Interest and Rewards

Rewards checking accounts, whether you open them at a bank or a credit union, are designed to pay you back for your loyalty. 

You might earn interest, cash-back rewards, or a combination of the two. Andrews FCU Kasasa Cash Checking offers dividends on balances up to $25,000. To earn the advertised APY each month, you'll need to:

• Complete a minimum of 15 PIN-based or signature-based debit card purchases
• Have at least one ACH or direct deposit transaction
• Be enrolled in digital banking and agree to receive e-statements

ATM transactions, debit card bill payments, and transfers between linked accounts won't count toward the monthly activity requirement. 

Even if you don't fulfill all requirements, you'll still earn interest, but the APY is much lower. Balances over $25,000 also earn the same lower rate. 

Whether you meet the requirements to earn the advertised rate or not, your account remains free of monthly fees. 

Fees

Credit unions have a reputation for being more fee-friendly than traditional banks. Andrews FCU doesn't charge a monthly maintenance fee for Kasasa Cash Checking, but there are some other fees to be aware of.

Other Service Fees - Andrews FCU High Yield Savings

Most of these fees should be easy to avoid if you keep your balance positive and don't deposit items that are likely to be returned. You'll want to enroll in estatements to avoid the paper statement fee and meet requirements to earn interest. 

Branch and ATM Access

Andrews FCU has branches in Maryland, New Jersey, Virginia, and Washington, D.C. There are also international branches in Belgium and Germany. 

You can bank in person at a branch or visit an Andrews FCU ATM. Andrews FCU participates in shared branch banking through the CO-OP network, which means you can visit other credit unions to make deposits or withdrawals, and complete other transactions. That's one of the key benefits of joining a credit union vs. a bank. 

You'll also have access to a network of CO-OP ATMs for convenient withdrawals. There are over 30,000 ATM locations you can use without a fee. 

Account Access

Andrews FCU offers access to your account at branches and ATMs, and through online and mobile banking. Some of the features you can take advantage of to manage your money include:

• Direct deposit (get paid up to one day early)
• Digital wallet capabilities
• Bill pay services
• Mobile check deposit
• Zelle person-to-person transfers
• ACH transfers
• International money transfers through Wise

You can use your debit card anywhere Visa is accepted. The daily limit for ATM withdrawals is $1,000. The daily limit for POS transactions is $3,000. 

You'll need to log in to your account to check your Zelle transfer limits. Mobile check deposits are usually credited to your account the next business day, though you may want to review the funds availability policy so you'll know when your money is accessible. 

FDIC Insurance

Banks offer FDIC-insured accounts in case of an institutional failure. Credit unions are not covered by the FDIC. Instead, they're insured through the National Credit Union Administration (NCUA). 

Andrews FCU is federally insured through the NCUA. Deposits are protected up to $250,000, which is the same coverage limit offered by the FDIC.

What this means is that should Andrews FCU fail, the NCUA will step in to help you get your money back.

What You Need to Open

You can open an Andrews FCU Kasasa Cash Checking account online. You'll need to fill out an application and include your:

• Name
• Date of birth
• Social Security number
• Mailing address
• Email address
• Phone number

You'll need to join the credit union to open your account. Membership is open to individuals 18 years old or older who:

• Are employed by select employer groups
• Are active-duty or retired military members and their families
• Live, work, worship, or attend school in the Washington, D.C. area
• Are family members of Andrews FCU employees

If you don't meet any of those criteria you can still join the credit union by becoming a member of the American Consumer Council. There's no fee to join, you just have to be a user or purchaser of consumer products. 

Frequently Asked Questions

Is Andrews FCU a good credit union?

Andrews FCU has a solid reputation as a good credit union thanks to its wide range of banking products, outstanding rates, and excellent customer service. Whether it's a good credit union for you depends on what you need and expect when opening a new checking or savings account. When comparing credit unions, consider the rates you'll earn, the fees you'll pay, and how easy it is to join. 

Do you have to join a credit union to open an account?

Credit unions require membership to open an account or apply for a loan. Some credit unions make it easier to join than others. Andrews FCU, for example, allows anyone to join if they're 18 or older and belong to the American Consumer Council. Other credit unions may limit membership to people in certain geographic areas or career fields. 

Are credit union checking accounts good? 

A credit union checking account could be a good option if you're earning a competitive rate on balances, getting some cashback on debit card purchases, or paying zero fees. Andrews FCU is a great checking account option for people who want to earn interest on balances at a rate that's well above the national average. It's also suited to people who prefer free checking accounts.